Bread Financial Reviews

Lexus Pursuit Signature CC. This company manages the Lexus Pursuit Signature Visa Card. FORGET IT! They are the ABSOLUTE WORST. The customer service is beyond incompetent, rude and just plain checked out. Brand new card that I can't get to register. 11 phone calls, transferred twice to the "IT" department... They don't have one. AND no one cares. They get a negative one million from me.

Worst Credit Card Experience Ever. I have had a very disappointing experience with this credit card. The customer service is incredibly poor, and there seems to be no difference between this service and regular, unhelpful customer support. Their website is unnecessarily complicated, making it difficult to manage my account. I made my final payment on the due date, but they processed it two days late and charged me a fee. Two months later, I received a call stating that I still owed $121 due to late fees, which was frustrating given that I had paid on time.

Extremely poor and disappointing experience w/ Bread Financial and Comenity. I've been a customer of Bread Financial for more than 2 years and they have turned out to be one of the biggest mistakes that I've made in my entire life. They are a predator in the market, looking to impose penalties and extremely high interest rates on unsuspecting customers that fall for the "buy now / pay later" trick. One of the worst examples of American Greed at its worst. Making hundreds of millions (even billions) from fees, interest and penalties, while offering no actual "product". Just clicking the mouse and shifting money from your bank to theirs. Don't be a sucker. Steer clear of this company!

Dirtbag company. Terrible rates. Paid off the few hundred dollars I had on card. Couple months later I get a nasty gram that I owe $25 for annual fee I overlooked, 30 days later. Had thought I was zero balance. Called as soon as I got the letter and paid it then and there. But these ** made sure they kept that late ding on my credit for no lie coming up on 7 years just because they can. Luckily I have very good credit despite them. And will never make the mistake of using any of Bread’s companies again. Even when I was younger and not careful with credit and a creditor could have legitimately trashed my credit, they worked with me because I called and tried to work with them. Not these jerks. Steer clear.

This is the second time I've called Bread customer service over the past two years. Each time I'm left feeling dissatisfied & with unresolved issues. Due to a language barrier, the customer service rep couldn't understand my concerns. I received a lot of "I don't knows, and wait & sees." Absolutely worthless service.

I was charged a 41 dollar late fee for being a half an hour late 'cause I didn't realize cut off time was 5pm Eastern. I was thinking of my time zone which is Central. First lady said they would take the fee off then I found out they only take off 15.00 and still charge me the rest! Don't get this card!

I was loyal customer, and enjoyed shopping at Boscov's in Plymouth Meeting in PA. I always paid my bill in full (most of the time). If you miss the deadline to pay even by minutes your were charged a late fee by Comenity Bank. Then they changed the time of deadline from 6pm -to-5pm. Got me again. I closed my account. They sent me a letter stating bal was paid in full. Then they contacted me stating I owed a late fee - the the next month another fee then late fee on late fees on a closed acc. They then added that to my credit report on close acc. My score dropped 75 points. I filed a complaint with Attorney General office in PA and Federal Consumer Protection - Do NOT OPEN A CREDIT WITH BOSCOV's. Comenity is a corrupt bank trying to collect late fees for profit - typical financial predator.

I was lured in by an offer of $200 off spending $1000 in the mail- I only applied because it was connected to other Amex. Oh boy I regret it now. Huge scammers, I had automatic payments on and they found a way to charge me interest and REFUSE to refund me the $12 interest even though it’s their fault. I have a 822 credit score. They have made the wrong person angry. Everyone please for your peace of mind get any other card but this one, I am completely convinced this is a scam company. They will lower your score and steal your money. I can’t believe they are still in business. Can someone shut them down please?! I’m calling my platinum amex card to complain too- a stain on Amex’s name dear god.

This is card is a Scam. They have sent me a pre approval and when I applied it got approved and they sent me a Card which is blocked. The funny part is it gets activated but card is blocked and I want to close this scam immediately, but they are not closing it. I am trying to find out a way to report this SCAM to an Ombudsman.

Dissatisfied with Comenity/Academy Sports. Have had this account since 2019 with no lates. I barely use the card and when I do, I immediately pay off. I originally set up automatic draft to account so it would never be late. When I recently paid off a balance of $97 dollars, they charged me a late fee. I contacted their CSM by name of Ariel and she assured me the fee would be removed because of the error on their part. She promised me it would be credited and bring my account to a 0 balance. It’s a crying shame when people who are working for a company, are getting paid to do nothing.